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Loans (Tables)
 12 Months Ended
Dec. 31, 2018
Amounts of Loans
 
 
December 31

2018
 
 
December 31

2017
 
Commercial
 
 
 
 
 
 
 
 
Working capital and equipment
 
$
804,083
 
 
$
720,477
 
Real estate, including agriculture
 
 
834,037
 
 
 
880,861
 
Tax exempt
 
 
48,975
 
 
 
36,324
 
Other
 
 
34,495
 
 
 
32,272
 
Total
 
 
1,721,590
 
 
 
1,669,934
 
Real estate
 
 
 
 
 
 
 
 
1-4 family
 
 
659,754
 
 
 
602,196
 
Other
 
 
8,387
 
 
 
7,543
 
Total
 
 
668,141
 
 
 
609,739
 
Consumer
 
 
 
 
 
 
 
 
Auto
 
 
327,413
 
 
 
244,003
 
Recreation
 
 
13,975
 
 
 
8,728
 
Real estate/home improvement
 
 
39,587
 
 
 
37,052
 
Home equity
 
 
163,209
 
 
 
165,240
 
Unsecured
 
 
4,043
 
 
 
3,479
 
Other
 
 
1,254
 
 
 
2,497
 
Total
 
 
549,481
 
 
 
460,999
 
Mortgage warehouse
 
 
74,120
 
 
 
94,508
 
Total loans
 
 
3,013,332
 
 
 
2,835,180
 
Allowance for loan losses
 
 
(17,820
)
 
 
(16,394
)
Loans, net
 
$
2,995,512
 
 
$
2,818,786
 
Recorded Investment of Individual Loan Categories
The following table shows the recorded investment of individual loan categories.
 
 
 
December 31, 2018
 
 
 
Loan

Balance
 
 
Interest

Due
 
 
Deferred

Costs/
(Fees)
 
 
Recorded

Investment
 
Owner occupied real estate
 
$
561,463
 
 
$
1,240
 
 
$
(1,629
)
 
$
561,074
 
Non-owner occupied real estate
 
 
717,814
 
 
 
1,063
 
 
 
(1,839
)
 
 
717,038
 
Residential spec homes
 
 
5,199
 
 
 
13
 
 
 
(2
)
 
 
5,210
 
Development & spec land
 
 
46,547
 
 
 
131
 
 
 
(12
)
 
 
46,666
 
Commercial and industrial
 
 
394,346
 
 
 
3,149
 
 
 
(297
)
 
 
397,198
 
Total commercial
 
 
1,725,369
 
 
 
5,596
 
 
 
(3,779
)
 
 
1,727,186
 
Residential mortgage
 
 
646,136
 
 
 
1,861
 
 
 
(2,025
)
 
 
645,972
 
Residential construction
 
 
24,030
 
 
 
42
 
 
 
—
 
 
 
24,072
 
Mortgage warehouse
 
 
74,120
 
 
 
480
 
 
 
—
 
 
 
74,600
 
Total real estate
 
 
744,286
 
 
 
2,383
 
 
 
(2,025
)
 
 
744,644
 
Direct installment
 
 
38,173
 
 
 
103
 
 
 
566
 
 
 
38,842
 
Indirect installment
 
 
314,177
 
 
 
738
 
 
 
—
 
 
 
314,915
 
Home equity
 
 
194,766
 
 
 
973
 
 
 
1,799
 
 
 
197,538
 
Total consumer
 
 
547,116
 
 
 
1,814
 
 
 
2,365
 
 
 
551,295
 
Total loans
 
 
3,016,771
 
 
 
9,793
 
 
 
(3,439
)
 
 
3,023,125
 
Allowance for loan losses
 
 
(17,820
)
 
 
—
 
 
 
—
 
 
 
(17,820
)
Net loans
 
$
2,998,951
 
 
$
9,793
 
 
$
(3,439
)
 
$
3,005,305
 
 
 
 
December 31, 2017
 
 
 
Loan

Balance
 
 
Interest

Due
 
 
Deferred

Costs/
(Fees)
 
 
Recorded

Investment
 
Owner occupied real estate
 
$
576,022
 
 
$
1,511
 
 
$
(1,917
)
 
$
575,616
 
Non-owner occupied real estate
 
 
683,901
 
 
 
1,138
 
 
 
(2,478
)
 
 
682,561
 
Residential spec homes
 
 
16,591
 
 
 
63
 
 
 
(80
)
 
 
16,574
 
Development & spec land
 
 
49,996
 
 
 
117
 
 
 
(579
)
 
 
49,534
 
Commercial and industrial
 
 
349,085
 
 
 
2,572
 
 
 
(607
)
 
 
351,050
 
Total commercial
 
 
1,675,595
 
 
 
5,401
 
 
 
(5,661
)
 
 
1,675,335
 
Residential mortgage
 
 
596,087
 
 
 
1,776
 
 
 
(2,375
)
 
 
595,488
 
Residential construction
 
 
16,027
 
 
 
39
 
 
 
—
 
 
 
16,066
 
Mortgage warehouse
 
 
94,508
 
 
 
480
 
 
 
—
 
 
 
94,988
 
Total real estate
 
 
706,622
 
 
 
2,295
 
 
 
(2,375
)
 
 
706,542
 
Direct installment
 
 
36,737
 
 
 
113
 
 
 
552
 
 
 
37,402
 
Indirect installment
 
 
227,659
 
 
 
528
 
 
 
(168
)
 
 
228,019
 
Home equity
 
 
194,860
 
 
 
889
 
 
 
1,359
 
 
 
197,108
 
Total consumer
 
 
459,256
 
 
 
1,530
 
 
 
1,743
 
 
 
462,529
 
Total loans
 
 
2,841,473
 
 
 
9,226
 
 
 
(6,293
)
 
 
2,844,406
 
Allowance for loan losses
 
 
(16,394
)
 
 
—
 
 
 
—
 
 
 
(16,394
)
Net loans
 
$
2,825,079
 
 
$
9,226
 
 
$
(6,293
)
 
$
2,828,012